Skip to content
CV Rocket
Get started
How it worksThe enginePricingBlogContactSign in

Open nowPosted 199 days ago

Lead Credit Analyst

CU Direct15 open roles

Where
US, Remote
Work mode
Remote
Get the CV for this job

From $25 per CV, paid once. No subscription.

Your applicationOpen nowLead Credit AnalystCU Direct · US, Remote

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on CU Direct's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

11.8% of postings close within 7 days. Measured by our own scanner across the market.

Share of postings closed within
  1. 2.1%1 day
  2. 4.4%3 days
  3. 11.8%7 days
  4. 18.6%14 days
  5. 35.6%30 days
  6. 45.1%60 days
This job: posted 199 days ago

The posting

Shaping the Future of Lending

With 30 years of fintech leadership, Origence empowers credit unions with innovative SaaS lending solutions that make lending more accessible, efficient, and competitive. We invest in our people and foster a culture of innovation, ownership, and continuous improvement. As we help shape the future of lending, we're leveraging AI and technology to streamline lending operations, enhance decision-making, and create value for our clients. We're seeking individuals who are energized by problem-solving, operational excellence, and the opportunity to make a meaningful impact for our clients, partners, and teams

The Lead Credit Analyst serves as a subject matter expert and operational resource for the Credit Analyst team, bridging day-to-day underwriting excellence with structured knowledge transfer and data-driven performance insight. This role is responsible for designing and delivering training programs, providing structured mentorship across the IC career ladder, and developing analytics that inform underwriting quality, team performance, and portfolio trends. The Lead Credit Analyst partners directly with the Sr. Director, Operations & Lender Support and supervisory leadership to translate operational data into actionable improvements, support staff development, and ensure the team operates at a consistently high standard. Accuracy, program expertise, and the ability to build capability in others are fundamental to success in this role.

The Origence Mindset

At Origence, we are self-aware, adaptable, and relentlessly focused on creating meaningful impact. We think like owners, embrace complexity and ambiguity, challenge conventional thinking, and continuously pursue smarter, more effective ways to solve problems and advance the business. We value people who are adaptable, resourceful, and committed to delivering quality outcomes while continuously looking for ways to improve. If this mindset reflects who you are, you may be exactly who we're looking for.

The hours for this position are 12:00 - 9:00 p.m. MST, this includes weekend work.

*MUST BE LOCATED IN ONE OF THE FOLLOWING STATES: Colorado, Florida, Texas, Illinois, Arizona, Washington, Georgia, Hawaii.

How You'll Contribute:

Training & Knowledge Transfer

  • Design, maintain, and deliver structured onboarding and continuing education programs for Credit Analyst I through Sr. Credit Analyst levels, covering underwriting fundamentals, credit union program specifics, OLS guidelines, and applicable regulatory requirements.
  • Develop and maintain written training curricula, reference guides, decision frameworks, and system-specific job aids (including Temenos, L360, Meridian Link, Correlation Keystone, Loans PQ, and Ideal) that are accessible and consistently applied across the team.
  • Conduct regular training sessions in response to identified skill gaps, product or program changes, new client onboarding, and system implementations; evaluate effectiveness through quality metrics and decisioning accuracy trends.
  • Partner with supervisory leadership to identify development needs and create individualized learning plans for analysts progressing through the career ladder.
  • Document and maintain process and procedure updates in coordination with Sr. Credit Analysts and Operations leadership to ensure training content reflects current guidelines.

Mentorship & Team Development

  • Serve as a dedicated mentor and technical resource for Credit Analyst I, II, and III team members, providing structured guidance on complex credit decisions, exception requests, and program-specific challenges.
  • Conduct second reviews and quality audits with a coaching orientation, using individual decision patterns to identify development opportunities and deliver targeted, constructive feedback.
  • Collaborate with the Supervisor, Credit Analyst to monitor individual analyst performance trends and contribute to performance conversations, calibration discussions, and development planning.
  • Model and reinforce professional communication standards, decisioning discipline, and relationship management practices expected at each level of the career ladder.
  • Support a culture of continuous learning by facilitating peer knowledge sharing, lessons-learned discussions, and best-practice adoption across the underwriting team.

Data Analytics & Performance Intelligence

  • Build, maintain, and regularly deliver analytics reporting on key underwriting performance indicators including approval rates, funding ratios, look-to-book ratios, decisioning quality scores, SLA adherence, and exception volume by analyst and client.
  • Analyze underwriting decision data to identify trends, outliers, and systemic risk patterns; translate findings into actionable recommendations for leadership and process owners.
  • Develop and maintain dashboards and reporting tools that provide supervisors and the Sr. Director with real-time and periodic visibility into team and portfolio performance.
  • Conduct root cause analysis on quality escapes, SLA misses, and exception trends; partner with Operations leadership to develop corrective action plans supported by data.
  • Contribute to the design of performance metrics and reporting frameworks aligned with OLS operational goals and credit union partner requirements.

Underwriting

  • Maintain an active underwriting load to preserve subject matter expertise and credibility as a training and mentoring resource; decisions must reflect the highest standards of accuracy, compliance, and credit quality.
  • Underwrite across multiple credit union partners, products, and loan origination systems at a proficiency level consistent with Sr. Credit Analyst expectations.
  • Serve as an escalation resource for complex or high-risk applications, second-look exceptions, and novel credit scenarios outside standard decisioning guidelines.

Operations & Stakeholder Support

  • Support new client implementations by developing program-specific training content, facilitating analyst readiness assessments, and serving as a subject matter resource during onboarding.
  • Participate in testing and implementation of new software, systems, and product offerings; document system-specific workflows and translate changes into updated training materials.
  • Represent the underwriting team in cross-functional meetings with Operations, Quality Assurance, and client-facing teams; contribute underwriting perspective to process improvement initiatives.
  • Participate in client meetings and partner calls as requested by the Sr. Director to provide operational and analytical support.

What Makes You a Great Fit:

Education

Bachelor's degree in Business, Finance, Economics, or a related field preferred. Associate's degree with equivalent experience considered. Relevant professional certifications (e.g., NAFCU, CUNA lending certifications) a plus.

Experience

  • Minimum of five to seven years of underwriting experience in consumer indirect or direct lending within a financial institution, credit union, or BPO/FinTech lending services environment.
  • Demonstrated experience delivering training, onboarding, or structured mentorship in a lending operations context; formal instructional design or curriculum development experience preferred.
  • Hands-on experience building operational reports, performance dashboards, or analytical models using Excel, SQL, Power BI, Tableau, or comparable tools required.
  • Experience underwriting across multiple credit union programs, loan origination systems, and product types; proficiency with Temenos, L360, Meridian Link, Correlation Keystone, Loans PQ, or Ideal strongly preferred.
  • Knowledge of indirect auto lending, regulatory compliance, and financial institution operations required; experience with BPO or outsourced lending services delivery is a significant plus.
  • Previous involvement in client implementations, process improvement initiatives, or operational quality programs preferred.

Your Strengths & Expertise

  • Exceptional analytical and data interpretation skills; ability to identify meaningful patterns in complex datasets and communicate findings clearly to both technical and non-technical audiences.
  • Strong instructional and facilitation skills; able to design learning experiences that translate technical underwriting knowledge into transferable skills for analysts at multiple levels.
  • Advanced proficiency with Microsoft Excel (pivot tables, advanced formulas, data modeling); working knowledge of Power BI, Tableau, or equivalent reporting tools required.
  • Excellent written and oral communication skills; able to produce professional documentation, training content, reports, and executive-level summaries.
  • High degree of independent judgment and initiative; comfortable operating without close supervision in a fast-paced, multi-client environment.
  • Ability to interface credibly with credit union and dealership partners, as well as internal Operations, Quality, and leadership stakeholders.
  • Demonstrated ability to manage competing priorities and deliver on multiple workstreams simultaneously — training, analytics, mentoring, and production underwriting.
  • Commitment to schedule flexibility within OLS underwriting business hours (7:00 AM – 9:00 PM MST, 7 days a week) as the role requires.

Bring your attention to detail, problem-solving mindset, and unique perspective. We'll provide the opportunities, tools, and support to help you succeed.

How We Invest in You:

  • 401(k) with 8% Company Match
  • Flexible Work Environment
  • Competitive Paid Time Off
  • Tuition Reimbursement & Education Benefits
  • Comprehensive Health & Wellness Benefits
  • Microsoft Copilot and AI-Enabled Tools
  • Continuous Learning & Development Opportunities
  • A culture of connection, celebration, and growth through employee-driven programs, company events, holiday celebrations (Star Wars Day), monthly town halls, quarterly company meetings, and team traditions like Bring Your Kid to Work Day

Recognizing Your Impact

The starting salary range for this full-time position is $52,400- $65,600 per year. We offer competitive compensation designed to recognize the value, experience, and contributions each team member brings to Origence. Base pay is determined by factors including experience, geographic location, and internal equity, and eligible positions may participate in our annual bonus program.

Origence is an equal opportunity employer. All recruitment, hiring, training, compensation, benefits, discipline, and other terms and conditions of employment will be based upon an individuals’ qualifications regardless of race, religion, color, sex, gender identity, sexual orientation, national origin, ancestry, military service, marital status, pregnancy, age, protected medical condition, genetic information, disability or any other category protected by federal, state or local law

From $25, paid onceGet the CV for this job

What happens when you press

One press. We do the rest.

  1. A CV for this posting

    Written against CU Direct's own wording, from every piece of relevant proof in your profile.

  2. 25 readers review it

    Recruiter, hiring manager, skeptic and more read every draft, round after round. You get the best round.

    The review screen in CV Rocket: how each CV was read, round by round.

  3. We apply on CU Direct's form

    Our application engine gets through the hardest forms there are. Where a question needs you, AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

    An application in CV Rocket: every answer filled in on the employer's form.

  4. Every reply, sorted

    CU Direct's answer lands in your private mailbox, and we classify it on arrival: interview, question, rejection.

    The CV Rocket inbox: each employer reply classified as an interview, an action or a rejection.

  5. Reply with AI

    AI helps you write the email, checks it and sends it. We show you whether the recruiter read it.

  6. The interview in your calendar

    Full integration with your calendar. The invitation goes straight in.

    An interview invitation in the CV Rocket inbox, added to the candidate's calendar.
Get the CV for this job

From $25 per CV, paid once. No subscription.

Why it works

3×

more interviews than doing it yourself with ChatGPT.

ChatGPT writes a CV and never learns what happened to it. We see every reply. For each CV we know:

  • How it was written, and how the review scored it
  • When we applied, and how long after the posting went up
  • Which posting, which company, which city
  • Who got the interview, and who heard nothing

That is how we know which CVs get called.

Get the CV for this job

From $25 per CV, paid once. No subscription.

The numbers game

More applications. More interviews.

Every application goes out with its own CV, written for that posting and paid once. Send enough of them and the law of large numbers finds you the job.

Get the CV for this job
By hand5–10
With CV Rocket100
applications a day

Nearby

Live postings like this one

Same employer first, then the same role elsewhere.

Before you press

Straight answers

Get the CV for this job

From $25 per CV, paid once. No subscription.

What if my background isn't good enough?

We make the most of the background you have. The CV uses every piece of relevant proof your profile holds, and one of the 25 readers reads your whole profile and flags what the CV left out.

Do you really apply for me?

Yes, on the employer's own form, the hardest ones included. Where a question needs you, you answer it right there and AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

Is it a subscription?

No. You pay once per CV, from $25. Every application goes out with its own CV, written for that posting.

One job. One CV.
Paid once.

Pick the posting you want. We write for it, apply for you and catch the reply.

Get the CV for this job

From $25 per CV, paid once. No subscription.